Fixed Rate Mortgages

Is a new home in your future?

Our no closing cost2 fixed rate mortgage products are easy to understand and even easier to pay. With a fixed rate mortgage, you can lock in a low interest rate and know what your monthly principal and interest payment will be for the entire term of the loan.

Understand your home financing options

A fixed rate mortgage is right for you if you’re planning on staying in your home for many years and you prefer a consistent mortgage payment. Get peace of mind with a monthly payment that won’t ever increase. Contact our special purchase team to explain the features of the different loan programs available so you can make an informed decision.

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Loan assumptions and Disclosures

Rates and terms valid as of 11/19/2018 8:57 AM
and subject to change without notice.
Loan data is for informational purposes only, and is based on owner occupied single-family homes only. The actual fees, costs and monthly payment on your specific loan transaction may be higher or lower than those quoted based on your information, which may be determined after you apply. This is not a credit decision or a commitment to lend. Loan interest rates are based on current market rates, are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type, borrower credit history. Mortgage insurance may be required if loan-to-value (LTV) is higher than 80% which could increase the monthly payment and APR.

Adequate property insurance (which may include flood insurance) is required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial. Additional loan programs may be available. Other restrictions may apply.

1 The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR above based on interest rate, loan origination fees and applicable closing costs and does not take into account other loan specific finance charges you may be required to pay. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

2 No Closing Cost loans are subject to terms and conditions of Fremont Bank's Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on the Closing Disclosure. Application fee is non-refundable if your loan is denied, withdrawn or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

3 Loans with points and/or fees (Closing Costs) may have a lower nominal interest rate than “No Closing Cost" loans. Discount points are a form of prepaid interest paid up front in exchange for a lower interest rate. The reduced interest rate will only save money over a long term; the longer a borrower plans to live in the home, the better the chance of reaching the "break-even" point. There are a variety of points and fee options, so please ask your loan officer about available programs to help you decide whether paying points is an option for you.

Loans available for properties located in CA and NV. Rates may not be available in all areas. Actual rates may vary. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply. Other loan programs available. Call for details. Refers to programs A120 - 10 year, A25 - 15 year, A5 - 30 year.

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